Terms & Conditions

VyajPay is operated by Vijaysinh Zala, sole proprietor, Ahmedabad, Gujarat, India. Support and Grievance Officer: Vijaysinh Zala, contact@vyajpay.com, +91 9274730603.

You must be at least 18 and legally capable of entering a contract to create an account or buy a subscription. For business use, you must have authority to act for it.

VyajPay records transactions and calculates schedules from your inputs. The bookkeeping app does not lend, approve loans, hold customer funds, settle repayments, rate creditworthiness or provide regulated financial, tax or legal advice. An entry or reminder is not proof that a debt is legally enforceable.

The website’s calculators are separate tools; compound-interest examples do not mean app loan records compound interest. Check outputs, rounding, dates and formulas before relying on them.

• Secure your sign-in, device and exports. Enter accurate information and review AI-extracted records.
• Comply with local lending registration, rate caps, consumer, tax and collection rules. Do not use threats, harassment or unlawful charges.
• Have authority and required consent to collect, scan, store and share personal information and send messages.
• Do not infringe copyright, privacy or other rights, or upload unnecessary/unmasked identity documents.
• Do not bypass security, impersonate people or interfere with other users’ records.

Indicative India Pro prices: ₹249/month and ₹1,499/year. The price, taxes, eligibility and billing terms shown by Google Play or Apple at checkout apply; regions and offers can differ.

An eligible 7-day trial renews into the selected paid plan unless cancelled through the store before its deadline. Renewals continue until cancelled. Deleting the app or requesting account deletion does not cancel billing. Access normally continues until the paid period ends, subject to store refunds/revocation. See Refunds & cancellation.

Free and Pro features depend on platform, version and the settings shown in the app. Changes affecting paid subscriptions follow store rules and applicable consumer rights.

Smart Scan can send your image to Gemini and/or OpenAI. VyajPay also retains scan copies for quality review and training as described in the Privacy Policy. Only upload material you can lawfully share. AI can be wrong; check its output before saving.

Your original content remains yours. You authorize storage, processing and sharing needed for your chosen features. We do not claim exclusive copyright in AI output or guarantee it is unique or free of third-party rights.

Stores, messaging, sign-in and AI providers apply their own terms. Links and third-party features do not guarantee endorsement or uninterrupted availability.

Original VyajPay software, branding and content are protected by applicable rights. You may use the service for lawful purposes. Open-source components retain their own licences, including any rights to copy, modify or obtain source. These terms do not override those rights. See Licences & credits.

Access may be restricted where reasonably necessary for abuse, security, law or material breach. You can request deletion without reinstalling. The in-app flow has a 30-day recovery window; permanent deletion and retained records require confirmation under our Privacy Policy. Independent records and exports held by others are not automatically removed.

Calculations, sync, reminders and AI can fail or contain errors. Maintain exports of important records and verify delivery. We do not guarantee business results or uninterrupted availability. Nothing here excludes liability or remedies that cannot lawfully be excluded or removes statutory consumer rights.

Read Disclaimers. Indian law applies where permitted, without removing mandatory protections or access to courts and consumer authorities available to you.

Contact the Grievance Officer for privacy, billing or service complaints. We aim to acknowledge within 48 hours and resolve within 30 days, or explain status and next steps. Material changes will be communicated through appropriate service notices.